Loans and Lines of Credit

Borrowing that puts you first.

Special offer

Get a personal loan with a special rate of Vancity Prime + 4.20% variable or 10.79% fixed. Conditions apply.
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Talk to a specialist

You’ve got options.

All Loans Lines of credit

How do I pick? If you need the money all at once for a big purchase or one-time expense, you’re probably looking for a loan. Otherwise a line of credit might make more sense. A line of credit is an amount of money that you can borrow from whenever you want.
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For big purchases, debt consolidation or one-time expenses.

Borrow from $5,000 and up
Flexible repayment terms
Fixed or variable interest rate
No penalties if you pay it off early

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When you don’t need all of the money at once or need an emergency fund.

Apply once for a credit limit and access it at any time
Only pay interest on the amount you use

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Break the debt cycle.

Borrow $100 to $2,500
No credit check
Choose your own repayment schedule
Approval in as little as 10 min

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Tap into your home to borrow for renovations, emergency expenses and more.

Lower the stress of borrowing
Apply once for a credit limit and access it at any time
Only pay interest on the amount you use

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Lower interest rates for energy-efficient home renovations.

Borrow $3,500 to $50,000
Take up to 15 years to pay it off
Save money with flexible terms and lower interest rates

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Loans for electric or hybrid vehicle purchases.

Borrow $1,500 and up
Save money with a preferred rate
For new and used vehicle purchases
Includes pedal bikes, e-bikes, scooters, electric cars, hybrids, charging stations and conversion kits.

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Maximize your RRSP contribution room.

Use or catch up on RRSP contributions
Competitive interest rates
No penalties if you repay your loan early

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Make the move to a housing co-op.

Competitive rate and term options
Up to a 25-year amortization term

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For newcomers to Canada or people who want to upgrade qualifications or certifications.

Return to working in your field of specialization
Build your credit history

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For new members of worker co-operatives

Borrow up to $10,000
For contributing to your membership share and to build equity sooner

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For all types of businesses. From entrepreneurs just starting out to large businesses.

Business loans
Micro loans
Commercial mortgages
Other lending solutions

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Loans & lines of credit

Borrowing that puts you first.

You’ve got options.

Personal Loan

Line of Credit

Vancity Fair & Fast Loan™

Home equity line of credit

Planet-Wise Renovations

Planet-Wise Transportation

RRSP Loan

Co-op Home Loan

Credential recognition or update loan

Work to own loan

Business Lending

Peace of mind.